Best Secured Credit Cards in India (FD-Backed)

Secured credit cards are the easiest and safest way to start building or repairing your credit score in India. These cards are issued against a fixed deposit, making approval simple even if you have no credit history or a low credit score.

Below is a detailed guide to the best secured credit cards available in India right now.

Top Secured Credit Cards in India

Why Secured Credit Cards Are Useful

• Makes it easy to get a credit card even with low or no credit score
• Credit limit is linked to your FD (usually 75% to 90%)
• FD continues to earn interest while you use the card
• Builds your credit score through on-time repayment
• No income documents needed for most secured cards
• Lower risk for the bank makes approval faster

Key Points to Consider Before Applying

• FD Amount: Ensure you are comfortable locking your money for the required tenure
• Interest Rate: Your FD earns interest while acting as security
• Annual Fees: Some secured cards charge joining or annual fees
• Credit Limit: Usually based on a percentage of FD
• Usage Purpose: Choose a card based on rewards, credit building or daily spending
• Repayment Discipline: Timely payments will help improve your credit score

Who Should Choose a Secured Credit Card

• First-time card users
• People with no credit history
• Individuals with damaged credit looking to rebuild
• Freelancers, students, and homemakers without stable income proof
• Anyone wanting a safe start in the credit ecosystem

Final Thoughts

Secured credit cards are one of the best ways to enter the credit system without facing rejection. They offer flexibility, help you build a strong credit profile, and give you all the essential features of a regular credit card.

If you manage your repayments well, you can later upgrade to a premium unsecured credit card easily.